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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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EASTHAMPTON SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
EASTHAMPTON SAVINGS BANK |
| Address | 36 MAIN STREET P.O. BOX 351
EASTHAMPTON, MA 01027 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 457 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $88,218,000 |
| Average Mortgage Loan Amount Applied For | $256,000 |
| Highest Mortgage Loan Amount Applied For | $1,600,000 |
| Average Applicant Income | $127,500 |
| Highest Applicant Income | $558,000 |
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| Home Improvement |
53 | $7,909,000 |
$149,000 | $1,100,000 |
$78,000 | $553,000 |
| Home Purchase |
245 | $53,348,000 |
$217,000 | $1,200,000 |
$86,000 | $558,000 |
| Refinancing |
165 | $28,543,000 |
$172,000 | $1,600,000 |
$72,000 | $359,000 |
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| American Indian or Alaskan Native |
1 | $45,000 |
$45,000 | $45,000 |
$96,000 | $96,000 |
| Asian |
8 | $2,524,000 |
$315,000 | $1,200,000 |
$87,000 | $306,000 |
| Black or African American |
1 | $353,000 |
$353,000 | $353,000 |
$115,000 | $115,000 |
| Hispanic |
2 | $301,000 |
$150,000 | $163,000 |
$61,000 | $80,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $3,080,000 |
$256,000 | $591,000 |
$0 | $0 |
| Not Provided |
1 | $195,000 |
$195,000 | $195,000 |
$68,000 | $68,000 |
| White |
438 | $83,302,000 |
$190,000 | $1,600,000 |
$82,000 | $558,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
463 | $89,800,000 |
$193,000 | $1,600,000 |
$80,000 | $558,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
41 | $8,144,000 |
$198,000 | $600,000 |
$83,000 | $285,000 |
| Application Denied By Financial Institution |
32 | $8,260,000 |
$258,000 | $1,600,000 |
$41,000 | $118,000 |
| Application Withdrawn By Applicant |
19 | $4,029,000 |
$212,000 | $450,000 |
$53,000 | $86,000 |
| File Closed For Incompleteness |
4 | $1,054,000 |
$263,000 | $450,000 |
$29,000 | $54,000 |
| Loan Originated |
360 | $66,531,000 |
$184,000 | $1,200,000 |
$86,000 | $558,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $784,000 |
$392,000 | $584,000 |
$107,000 | $126,000 |
| Preapproval Denied by Financial Institution |
5 | $998,000 |
$199,000 | $280,000 |
$39,000 | $41,000 |
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| Collateral |
4 | $966,000 |
$241,000 | $450,000 |
$27,000 | $109,000 |
| Credit Application Incomplete |
3 | $557,000 |
$185,000 | $264,000 |
$62,000 | $118,000 |
| Credit History |
5 | $2,380,000 |
$476,000 | $1,600,000 |
$59,000 | $94,000 |
| Debt-To-Income Ratio |
23 | $5,187,000 |
$225,000 | $1,100,000 |
$37,000 | $77,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $168,000 |
$84,000 | $120,000 |
$35,000 | $53,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for EASTHAMPTON SAVINGS BANK by:
Metropolitan Area And
County
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